Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$177,667Cash toward the purchase price.
Closing costs + prepaids$13,422Not just lender fees.
Before credits & paid funds$191,089The complete starting cash picture.
Estimated remaining funds due at closing
$191,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,666.94
Your down payment$177,666.94
Closing costs + prepaids$13,422.06
Total buyer cash needed$191,088.99
Remaining funds due$191,088.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,636.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$434.75
Initial HOA (3 months)$144.99
Prepaid interest, first (27 days)$687.67
Fees + prepaids$13,422.06
Your down payment is the seller’s equity. You take over the $327,332 balance, so the rest of the $504,999 price is paid at closing. A second mortgage can cover part of it. $191,088.99 is due at closing. Uses and sources reconcile at $518,421.06 each. Not a Closing Disclosure.